HDFC Bank MoneyBack+ Credit Card
HDFC Bank · Visa · Entry card
A solid step-up entry card for existing HDFC customers who have outgrown a lifetime-free card but do not need Millennia-level fees.
Entry-level HDFC customers wanting a step above a lifetime-free card.
Terms checked 13 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.
Named merchant rates
- Amazon
- 2.5%
- BigBasket
- 2.5%
- Flipkart
- 2.5%
- Swiggy
- 2.5%
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Dining & delivery | 0.3% |
| Groceries & essentials | 0.3% |
| Travel & hotels | 0.3% |
| Bills & utilities | 0.3% |
| Subscriptions & streaming | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Insurance premiums | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Other miscellaneous | 0.3% |
| Gold & jewellery | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹50,000 annual spending
- Monthly income requirement
- Approx. ₹20,000/month salaried · ₹50,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Selected-merchant CashPoints
Usage-based value20 CashPoints per ₹200 applies only when the transaction identifier matches Amazon, BigBasket, Flipkart or Swiggy.
Conditions: 20 CashPoints per ₹200 applies only when the transaction identifier matches Amazon, BigBasket, Flipkart or Swiggy.
Reliance Smart SuperStore CashPoints
Usage-based value20 CashPoints per ₹200 requires a Reliance Smart SuperStore merchant identifier supplied to HDFC Bank.
Conditions: 20 CashPoints per ₹200 requires a Reliance Smart SuperStore merchant identifier supplied to HDFC Bank.
Other eligible CashPoints
Usage-based value2 CashPoints per ₹200 applies to other eligible purchases after the 15 May 2026 earn-base revision.
500 renewal CashPoints after realization of the renewal fee
Shown without a cash value20 CashPoints per ₹200 on eligible Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy transactions
Shown without a cash value2 CashPoints per ₹200 on other eligible spend
Shown without a cash valueCashPoints are worth ₹0.20 as statement cashback or up to ₹0.25 for catalogue and travel redemption
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹50,000 of eligible annual spending.
Conditions: Reach ₹50,000 eligible annual spending
Welcome benefits · 1 item
500 welcome CashPoints
Recorded value ₹100CashPoints after realization of the applicable joining fee, conservatively valued as statement cashback.
Conditions: Pay the applicable ₹500 joining fee · Statement-cashback value is ₹0.20 per CashPoint
Spend milestones · 1 item
₹500 quarterly voucher at ₹50,000
Recorded value ₹500Unlocked after ₹50,000 of eligible spending.
Conditions: Reach ₹50,000 per calendar quarter
Dining · 1 item
Additional 10% discount through the current Swiggy Dineout offer
Shown without a cash value
Insurance and protection · 1 item
Zero lost-card liability when the loss is reported immediately
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹20,000. Salaried income must exceed ₹20,000 monthly; self-employed applicants need ITR above ₹6 lakh annually.
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 20 CashPoints per ₹200 on eligible Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy transactions
- ✓ 2 CashPoints per ₹200 on other eligible spend
- ✓ ₹500 voucher each calendar quarter after ₹50,000 eligible spend
- ✓ CashPoints are worth ₹0.20 as statement cashback or up to ₹0.25 for catalogue and travel redemption
What to watch
The accelerated 2.5% only applies to selected merchants: check the current list before assuming your regular spend qualifies.
Recorded exclusions
Fuel Commute · Rent · Government payments · Wallet load · Gift card load · Voucher purchase · Cash withdrawal · Fees charges · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Mixed impact
Reward earning and dynamic-currency fee revised
HDFC Bank moved CashPoint earning to completed ₹200 blocks and revised the dynamic-currency conversion charge.
- Before
- CashPoint calculations and dynamic-currency charges followed the prior card terms.
- After
- CashPoints accrue on each completed ₹200 of eligible spend and the DCC markup is 1.75% before tax.
Checked 21 Sept 2026HDFC Bank credit-card terms update ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 15 May 2026